Teresa used her experience as a cosmetologist to open her own beauty supply business in Anaheim. Two small business loans from Opportunity Fund are helping her expand her inventory and meet her business goals.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Teresa used her experience as a cosmetologist to open her own beauty supply business in Anaheim. Two small business loans from Opportunity Fund are helping her expand her inventory and meet her business goals.

All the Right Pieces for Success

Teresa started Tere’s Nail & Beauty Supply in the Anaheim Indoor Marketplace in 2010. She used her expertise as a licensed cosmetologist to break out on her own and start a business.

“About 80 percent of my clients are Hispanic,” Teresa said. “From my time working in the beauty industry, I know women are always looking for the latest beauty products. I saw the opportunity in the industry and the location in Anaheim, so I went for it.”

Teresa’s shop at the gigantic Anaheim Marketplace may be small, but it’s packed with a wide selection of beauty supply needs: acrylic nails, makeup, hair extensions and wigs, and more. Teresa’s work goes beyond just selling what a client needs to look good. She also specializes in beauty technique instruction.

“As a cosmetologist, I can educate to my clients how to apply nail products in a professional way,” she said. “I show my clients how do their own beauty treatments so they can save money.”

Teresa did everything right as a small business owner, from capitalizing on her talents to finding the perfect location. Still, she had trouble finding the right business lending solution to help her grow her business.

The Right Business Funding Connection

Teresa needed a small business loan to purchase more inventory. “I wanted to expand the variety of what I sell,” she said. “I saw how that could boost my sales.”

Tere's Nail Supply

Our small business loans helped Teresa keep the latest products in stock and boost her sales (photo courtesy of Michael Microulis)

In her search for small business loans, Teresa found nothing but high interest rates and lackluster customer service. When she met Opportunity Fund loan consultant Osbaldo Velazquez at an access to capital seminar in Orange County, she saw the opportunity she’d been waiting for.

Osbaldo was able to approve a $5,000 loan in September 2016 for Tere’s Nail & Beauty Supply. The working capital helped Teresa grow her business right away with increased purchasing power for inventory. She returned for a second $5,000 loan in February 2018 to help with boosting inventory again.

“The process was very fast,” she said. “Osbaldo indicated the documents and I needed when we talked so I knew what I would need to have. With the first loan, the funds were deposited within two days. The second loan was even faster because the information already was there, so we did the whole process was taken care of over the phone.”

Now that Teresa has the inventory she needs to make more sales, she’s focused on the future of her business. Her goal is to expand her sales to wholesale vendors, and she hopes to return to work with us again for working capital when she needs it.

We’re excited to watch Tere’s Nail & Beauty Supply grow and we’re proud to support hardworking Latina entrepreneurs like Teresa.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Frank started The Point Coffee Shop after retiring from a long career working for the City of Jacksonville. His coffee shop gives a lot to the community: down home cooking, employment opportunities, and a meeting space for local organizations. Our partnership with Lending Club connected Frank with the working capital loan he needed to keep his business strong, so he can focus on helping his hometown thrive.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Frank started The Point Coffee Shop after retiring from a long career working for the City of Jacksonville. His coffee shop gives a lot to the community: down home cooking, employment opportunities, and a meeting space for local organizations. Our partnership with Lending Club connected Frank with the working capital loan he needed to keep his business strong, so he can focus on helping his hometown thrive.

Changing Careers While Staying Focused on Community

Frank Lyons started The Point Coffee Shop in Jacksonville, Fla. in 2014. The Point is more than just a friendly neighborhood diner. Aside from serving unique crab patty breakfasts, Frank also serves his community through local advocacy and job creation.

Frank helped shape local policy and create job opportunities for minority workers over a career that spanned four decades working for the City of Jacksonville with local government officials in roles like Fire Chief and executive for Jacksonville Electric Authority. “I was privileged to help change some things in Jacksonville,” Frank said. “I’m still trying to.”

After retirement, Frank saw a chance to keep working in the community by opening his restaurant. In addition to the neighborhood seniors who come in for a hot, home cooked breakfast, local organizations seek out The Point as a neighborhood hub.

The Point Coffee Shop

Frank turned his coffee shop into a neighborhood fixture with good food and good company (photo courtesy of Jack Edwards)

“I host meetings here at my business,” Frank said. “Neighborhood pastors, people from the Teacher’s Association, and the Community Association come here. We took an area that wasn’t as active and available to the community, and now people love it.”

Frank needed working capital to help purchase equipment. Like many small business owners, Frank had to dig deep to start his business and keep it going. “I started this business on a shoestring,” he said. “I had to do it out of pocket after a business partner bowed out. I was determined to make this business work, so I stayed with it.”

Growing the Business Within the Neighborhood

Despite running a successful business for years, Frank had few options for business lending. “We heard a lot of promises, but nothing real,” he said.

Opportunity Fund business loan advisor Rexie Dumagan helped close a $14,000 loan in November 2017.  “Nobody else would help us,” Frank said. “Opportunity Fund got us to where we needed to be and where we are today.”

The Point’s impact as a hyper-local small business extends to all aspects of the community. Frank’s five employees all live in the neighborhood, close enough to walk to work every day. His unstoppable entrepreneurial spirit and local pride are driving forces behind The Point’s upcoming expansion. “I acquired a building down the street that holds 60 people,” Frank said. “Right now, my shop has a capacity of about 22. We get to stay in the neighborhood while expanding our business.”

We’re proud to support locally-oriented business owners like Frank, and we’re honored to watch our small business loans drive positive change in communities in Florida and beyond.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Jen and Deb rebuilt their lives together after rough financial times and a move to a new state. Their entrepreneurial dreams are helping support a new dream: make a living for their family. We partnered with One Fat Frog to help Jen and Deb purchase their food trailer with our small business loans.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Jen and Deb rebuilt their lives together after rough financial times and a move to a new state. Their entrepreneurial dreams are helping support a new dream: make a living for their family. We partnered with One Fat Frog to help Jen and Deb purchase their food trailer with our small business loans.

Starting Over Together

Jen Blake and Deb Richard started Nana Nif’s Home Cooking in Bradenton, Fla. in January 2018. They restarted their life together in Florida after Deb’s job was transferred from Massachusetts and Jen took an early retirement due to a physical disability. Family connections steered them down the Atlantic coast.

Jen had to leave her job as a high school biology teacher when she became disabled. “We lost my income,” she said. “It was substantial financial loss. My parents live in Bradenton and they were needing more and more physical help.”

Jen needed a way to help support her family—four generations all living in the same house, including Jen and Deb’s daughter and their two young grandchildren.

“I can only work for two or three hours at a time, and then I have to rest,” Jen said. “I’ve always been a good cook. At holidays and parties, everybody asks me to cook. It was a hobby before I became disabled.”

All the signs pointed to starting a food-based business, but their dreams of entrepreneurship almost never happened. The family faced financial difficulties before they left New England, which resulted in Deb filing for bankruptcy and them selling their house on a short sale. In their new hometown, they had a shot at something better with Deb working full time again and some assets they could put toward starting their own business.

Rebuilding For the Future

Jen and Deb reached out to Florida-based mobile food vehicle manufacturer One Fat Frog in January 2018. “As the trailer build went on, the project got bigger while our funds ran low,” Deb said. “We pulled money from other sources, like my retirement fund. In the end we were short $16,000. We didn’t know what to do. Because of my bankruptcy, no banks would give us a loan.”

Nana Nif's Serving it Up

Nana Nif’s brings a taste of New England to Florida through Jen’s home cooking (photo courtesy of Jack Edwards)

As one of our key mobile food vehicle manufacturing partners, One Fat Frog connected Jen and Deb to us. Our loan consultant Gerardo Campos worked with them to understand what Jen and Deb had to offer beyond just their financial capabilities.

“We completed our commitment to Chapter 11 bankruptcy,” Jen said. “We repaid what we could afford.”

“Gerardo was clear with us on what we needed to do to get the loan,” Deb said. “He worked with what we could do.”

Gerardo approved a $16,000 loan in April 2018 to help complete the food trailer purchase. Now that Nana Nif’s Home Cooking is officially on the road, Bradenton folks are falling in love with the unique New England comfort food like lobster macaroni and cheese, deep fried pizza rolls, and roast beef sandwiches.

Jen and Deb’s new business is for family and by family. The income makes a major difference in their household, and the whole family pitches in to work on the trailer. They’re working to pay off their loan and then invest in a brick and mortar restaurant location as a commissary location for an eventual fleet of food trucks.

We’re proud to support hard working women entrepreneurs like Jen and Deb, and we’re honored that we can help them make a better life for their family through entrepreneurship.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Anthony started his business to reach out to his community through fitness and martial arts training. Two small business loans from Opportunity Fund are helping Antdawg’s MMA grow and reach more people in Gilroy.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Anthony Figueroa started his business to reach out to his community through fitness and martial arts training. Two small business loans from Opportunity Fund are helping Antdawg’s MMA grow and reach more people in Gilroy.

Founded on Family Values

Anthony Figueroa started Antdawg’s MMA Training Center in Gilroy in 2009. Anthony’s business is very personal to him. He founded his mixed martial arts fitness center after a career as a mixed martial arts fighter with the goal to provide a positive, safe place for the youth in his hometown.

“Growing up was tough for me,” Anthony said. “The kids around here needed somewhere to go. I never had a place like that.”

Antdawg’s MMA provides martial arts training for kids and adults. The programs emphasize physical fitness for the whole family, with a focus on helping kids reach their goals through training.

Anthony built his business to help families get in shape and grow stronger together. His work ethic is shaped by a lifelong passion for training and martial arts, and his business model is based on the strong bonds within his own family.

“My whole family helps me run the gym,” he said. “My sons teach here. They’re 18 and 14. It’s taught them a lot about being responsible, respectful, and becoming good leaders by example. My business is making a full circle for us. It’s a blessing.”

Anthony had everything he needed for success: support from his family, a hardworking staff, and a 2,000 square foot facility. As the business grew, he needed a small business loan to keep up.

A Winning Combination

Antdawg’s MMA had to move to larger buildings in Gilroy twice in the last nine years to accommodate their growing list of customers. Anthony needed to purchase gym equipment to flesh out the new spaces. He chose Opportunity Fund over other lending options.

“Opportunity Fund made the most sense,” he said. “Other lenders require a lot of business owners that don’t have the best credit. They make it tougher. Opportunity Fund made it easy.”

Our loan consultant Laly Velazquez closed a $17,000 loan for Antdawg’s MMA in July 2015. The working capital helped Anthony get the equipment he needed. He liked working with us so much that he returned for a second loan of $22,000 one year later.

“The loans helped me add new programs,” he said. “Now I can add more value for our customers. In return, it helps me grow my business.”

Anthony Figueroa - MMA Antdawgs

Anthony helps kids in his community grow through discipline and exercise (photo courtesy of Christian Peacock)

Anthony always has his eye on the next step for Antdawg’s MMA. His plans include adding a mixture of activities for kids like birthday parties on the weekends plus adult activities like cardio programs and parents night out.

We’re proud to support positive forces in the community like Anthony and we’re happy to watch his family-owned and operated business flourish.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Ana had big dreams as an entrepreneur: to own her own fleet of food trucks and to run a commissary to help her fellow food truck owners get on the road to success. Three small business loans from Opportunity Fund have helped Ana grow her business as a food truck owner and as the owner of BiWise Foods in Watsonville.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Ana had big dreams as an entrepreneur: to own her own fleet of food trucks and to run a commissary to help her fellow food truck owners get on the road to success. Three small business loans from Opportunity Fund have helped Ana grow her business as a food truck owner and as the owner of BiWise Foods in Watsonville.

Growing from the Ground Up

Ana Jimenez climbed her way up to entrepreneurship through the mobile food service ranks, first as a cook in another business owner’s truck, then renting the truck to run herself, then finally running her own fleet of food trucks.

“While I was renting the trucks, I was working to put money together to buy my own truck,” Ana said. “I’m always thinking of how I can do more.”

When she came to work for BiWise Foods in Watsonville, her path became clear: she wanted to run the commissary while putting her own trucks on the road.

Established in the 1960s in Watsonville, BiWise Foods serves food truck owners in five Northern California counties: San Benito, Santa Cruz, Monterey, Santa Clara, and Alameda. It’s the only commissary between south Monterey County and San Jose. Food truck owners rely on BiWise as a one stop shop for their supplies including drinks, ice, and propane refills.

“I took over the business in January 2016,” Ana said. “Almost 40 trucks have come through my commissary to start their business. I help them complete their paperwork for the health department and counties too.”

Ana was the face of BiWise Foods even before she took over as owner of the company, thanks to her work ethic and passion for the mobile food industry. With her food trucks on the road and a commissary to run, Ana was still looking to do more.

A Connection to Business Lending

“I needed money to invest in my business,” Ana said. “I know how to run my business, so I just needed a loan.”

She reached out to Opportunity Fund loan consultant Griselda Gil-Solis, who responded with a personalized touch. “She came to my business and helped me with everything I needed for the loan,” Ana said. “In about a week and a half, I had the money I needed in my hands.”

Griselda helped close a $20,000 loan in April 2016, which allowed Ana to purchase supplies for her food truck customers. She returned to us for a second loan of $30,000 in December 2016 to acquire a neighboring warehouse. In February 2018, we provided a $40,000 loan for a food truck purchase.

Ana Jimenez - Bi Wise Foods

Ana is the go-to person for many mobile food business owners in the South Bay Area and Central California (photo courtesy of Christian Peacock)

The access to funds helped Ana build the business of her dreams. “Now I own the business and I have four food trucks,” she said with a smile.

Ana’s team of five employees help her run the food trucks in Watsonville, Santa Cruz, and Monterey. One food truck alone serves between 200 to 300 people every day. She has her eye on expanding her food trucks further around California and welcoming new mobile food business owners to work with BiWise Foods.

We’re proud to support hard working women entrepreneurs like Ana and we’re excited to watch her mobile food empire grow.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Doc’s business grew thanks to the support of his family every step of the way. When he needed a small business loan to build a food truck, Opportunity Fund was there with fast, easy-to-get, and affordable small business financing. Now with two trucks and a new restaurant opening soon, Doc’s Q’in Pit Stop is bigger than ever.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Doc’s business grew thanks to the support of his family every step of the way. When he needed a small business loan to build a food truck, Opportunity Fund was there with fast, easy-to-get, and affordable small business financing. Now with two trucks and a new restaurant opening soon, Doc’s Q’in Pit Stop is bigger than ever.

Family is Everything

Derek “Doc” Taylor started Doc’s Q’in Pit Stop in Modesto in 2006. He started by cooking out at family reunions for years, then took his can’t-miss barbecue out to a gas station parking lot on Highway 132. His barbecue tent on the main thoroughfare through town attracted so much attention over the Labor Day weekend that people were lining up for food before the end of the week.

“The gas station owners wanted to sell hot food,” he said. “I’d just finished doing a family reunion, so I had all my stuff: the tents, refrigerators, and the fixings.”

Doc’s claim to fame is “great Q on 132,” but his business has outgrown its humble beginnings. Doc has since moved to a brick and mortar location in a building he bought–”my former competition” he said with a laugh–and has two food trucks on the road. His restaurant is a staple among the tourist crowds traveling to Yosemite. He works alongside his family every day, including his wife, children, and nephew. His grandson’s baby picture is even featured in the restaurant logo.

Doc bases his business on family and community, but even as Doc’s Q’in Pit Stop was thriving, it wasn’t easy for him to find financing to expand his business.

Going Places

Doc needed a small business loan to build a food truck for Super Bowl weekend in 2016. Almost 90 miles away from the game site in Santa Clara, Doc’s Q’in Pit Stop was ground zero for Central Valley football fans. “I learned that Opportunity Fund finances food trucks,” Doc said. “I got in contact with you and got approved.”

Opportunity Fund loan consultant Madieu Shyllon helped close a loan of $4,000 in November 2015 for Doc’s Q’in Pit Stop. The loan gave him a trustworthy lending resource to help grow his business.

“I needed cash flow to keep the business going,” Doc said. “I made improvements around the restaurant. Without the loan, I would have walked away from the business. I didn’t know where I could get the cash.”

Doc's Q'in Pit Stop

We helped Doc get his food trucks on the road with our small business loans (photo courtesy of Heimo Schmidt)

Doc chose us for the fast financing, personal service, and easy repayment terms. He made the trip to our San Jose office to pick up his check for his second loan of $17,000 in January 2016. “I needed the money right away,” he said. “I never worry about how to pay it back. I pay directly from my bank account.”

Doc took out his third loan with us in February 2018 for $25,000. The working capital is helping Doc’s Q’in Pit Stop expand again, this time to a shopping center in nearby Patterson. Doc has an advantage even before the shopping center breaks ground. “I’ve worked the Patterson farmer’s market for 10 years, so I’m bringing my restaurant to my customer base out there,” he said.

We’re proud to support hard working entrepreneurs like Doc and we’re honored to watch his family-owned and operated business thrive.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Anthony and Cynthia started their business to share a taste of home with their new community in Orlando. They converted their West African restaurant into a food truck with the help of a loan from Opportunity Fund. Now with two food trucks in Orlando, African Soul Market is thriving as they share more of the food they love.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Anthony and Cynthia started their business to share a taste of home with their new community in Orlando. They converted their West African restaurant into a food truck with the help of a loan from Opportunity Fund. Now with two food trucks in Orlando, African Soul Market is thriving as they share more of the food they love.

The Taste of Success

Anthony and Cynthia Imana started African Soul Market in 2013 in Orlando. After they moved to Florida from the Bronx in New York, they wanted to start an African market to share Anthony’s taste of home.

“We moved to Florida for a better life for the kids and when we got here, we realized there weren’t many African options for my husband to eat,” Cynthia said. “I thought that he can’t be the only one who wants that food, so let’s do something about it.”

They started out in a brick and mortar location selling dry African goods. They changed their focus to prepared food on the weekends, which quickly sold out each day. “Then we started selling our prepared foods every day,” Cynthia said.

Their food was a huge hit, but the increasing rent for their restaurant space made it hard to stay in business. After two years as a restaurant, African Soul Market started over as a food truck.

African Soul Market

Anthony and Cynthia built their business together and watch it grow every day (photo courtesy of Jack Edwards)

They needed a small business loan to help finance their truck, so they reached out to One Fat Frog, a food truck manufacturer located in their hometown of Orlando. As one of Opportunity Fund’s key mobile food vehicle manufacturer and dealer partners, One Fat Frog connected the Imanas to us.

“One Fat Frog told us that Opportunity Fund does food truck loans,” Cynthia said. “We didn’t have the total amount to pay for the truck. We were relieved to know that funding was available.”

Starting Off Right

Opportunity Fund loan consultant Gerardo Campos helped close a $30,000 loan for the Imanas to complete the purchase of their truck. They were set up for immediate success.

“We’re the first food truck in the state of Florida serving authentic West African cuisine,” Cynthia said. They set up their truck in Pointe Orlando, a prime spot with a constant flow of foot traffic. Business grew so quickly that they returned to One Fat Frog for a second truck in March 2018. Gerardo was there again to help secure the $71,000 loan for the new truck.

Gerardo’s quick and personalized service helped the Imanas get their second truck going without missing a beat. “Gerardo was amazing,” Cynthia said. “He was straightforward and told us what we needed to provide for the loan. Everyone we worked with at Opportunity Fund is great and professional.”

The second African Soul Market truck travels to events around the Orlando area, as well as private catering engagements. Cynthia and Anthony go to work every day with their family members and cook their favorites while providing for the family’s needs.

We’re proud to watch African Soul Market expand and we’re thankful for our mobile food vehicle partners like One Fat Frog for helping us reach new clients outside of California!

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Kei found almost instant success when she launched her scones at Los Angeles farmers markets. As she grew Sugarbird Sweets, she needed working capital to keep up with demand. Two small business loans with Opportunity Fund have helped Kei keep Sugarbird on track for scalable growth.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Kei found almost instant success when she launched her scones at Los Angeles farmers markets. As she grew Sugarbird Sweets, she needed working capital to keep up with demand. Two small business loans with Opportunity Fund have helped Kei keep Sugarbird on track for scalable growth.

Recipe for Success

Kei Okumura started her small business selling batch-blended organic teas at Los Angeles area farmers markets. Sugarbird Sweets grew when she decided to add fresh baked scones to her offerings at the farmers markets. Her brand grew organically into wholesale to cafes and restaurants across Los Angeles.

“I studied pastry making in Paris at culinary school two years prior,” Kei said. “I applied my pastry background to figure out what would go well with tea. Scones were the perfect combination.”

Kei had to create something new and fresh to make her products stand out. She had a presence at some of the biggest and most competitive farmers markets for vendors, which allowed her to establish her new business.

Her built in customer base helped get the word out about Sugarbird’s new scone offerings. The initial two flavors, Mixed Berry and Dark Chocolate Chip, grew into over 18 different unique herb, tea, and seasonal fruit inspired combinations.

“People came every week to get the scones,” Kei said. “I started out with two dozen, then twenty dozen, then thirty dozen. We’d always sell out.”

Kei’s signature creation, the white chocolate matcha scone, helped propel her business to even bigger success. The increased demand put a strain on Sugarbird’s production capacity and resources.

“For five years, I was renting kitchen spaces to keep up with the farmers market and our wholesale clients,” Kei said. “As the markets and wholesale accounts got busier, I would get inquiries for catering tea parties. That became a huge part of Sugarbird and helped us grow organically.”

Kei was able to find her own space for Sugarbird in downtown Los Angeles, thanks to the immense growth of her business. Almost every step up to bigger sales meant a roadblock for Kei to overcome. The next phase came from selling her products wholesale to vendors like Mendocino Farms and opening an Amazon.com storefront.

“I needed additional funds to keep my business going,” Kei said. “It was difficult trying to manage all the  30 plus accounts. I was running into cash flow problems.”

Rising to the Challenge

Kei reached out to Opportunity Fund. She connected with loan consultant Robert Zapata, who helped close a $10,000 loan for Sugarbird Sweets in April 2016. The working capital helped Kei finance the necessary production increase and provided her with the right funding solution for her small business.

“I tried other lenders and banks,” she said. “I had a hard time with the SBA. It took over eight months.”

Robert took the time to understand Kei’s business and work with what she needed to grow. Kei applied for a second loan in May 2017 for $20,000 to help her continue Sugarbird’s scalable growth.

Sugarbird Sweets - Scones

Sugarbird’s freshly made scones are a huge hit around Los Angeles (photo courtesy of Michael Microulis)


“We’re looking for new ventures in the retail market,” Kei said. “We’re launching a product of frozen, ready to bake scones for the supermarket in 2019. I’m looking to grow marketing, budget, and production for that.”

We’re happy to support hardworking moms like Kei and we’re proud to watch her grow from a great idea at the farmer’s market to an up-and-coming retail brand.


We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Jill always dreamed of owning her own business and working for herself. When the right idea came along, she made her dreams possible through hard work. She grew her mobile pet grooming business with the help of small business loans from Opportunity Fund. Thanks to us, you can find Foxy Roxy’s Mobile Pet Salon in your area.

Our customers inspire us every day, and we want to regularly share those stories to inspire you, too.

Jill always dreamed of owning her own business and working for herself. When the right idea came along, she made her dreams possible through hard work. She grew her mobile pet grooming business with the help of small business loans from Opportunity Fund. Thanks to us, you can find Foxy Roxy’s Mobile Pet Salon in your area.

Taking a Chance on a Great Idea

Jill Hailey started Foxy Roxy’s Mobile Pet Salon in Modesto in July 2014. While raising her family, Jill had dreams to start her own business with her husband Jonathan. The timing and ideas finally came together when they saw a mobile pet groomer on their street one day.

“The wait for an appointment was two months,” Jill said. “Jonathan saw the need for more mobile pet groomers in our area and said we should do that. But we knew nothing about grooming.”

Jonathan built the first van in their driveway, and Foxy Roxy was born. “We hired a groomer who taught us the grooming side of the business and Jonathan and I handled the rest,” Jill said. “From there, the business took off.

The company grew quickly from the single van operation to 10 employees and seven mobile grooming units today around Modesto, Pleasanton, and Santa Clara. Jill hires a groomer to operate each unit, which has a complete setup for dog grooming: baths, nail trim, fur drying, and space for the groomer’s tools and supplies. The runaway success was initially difficult to keep up with, even for the upstart Haileys.

Bath time

Dogs get deluxe treatment when Foxy Roxy comes to town (photo courtesy of Heimo Schmidt)

“Within three months of our launch our appointment schedule was booked out over a month,” Jill said. “We had to turn down customers. As we’ve added vans over these four years, we fill up our schedules until we’re booked out a month. When our customers say they can’t wait, we know it’s time to grow.”

When Hard Work Pays Off

Jill turned to a mobile dog grooming vehicle manufacturer to keep up with the demand for Foxy Roxy. She had fewer opportunities for financing due to a bankruptcy from her divorce. Then she got a tip about Opportunity Fund.

“It sounded too good to be true,” she said. Jill connected with our team, who helped her right away through understanding her situation and finding the right business financing solution for her. “I told them, I was the kind the bank won’t help. But they told me I was the kind they’re here to help.”

J & J

Jill and Jonathan share their business dreams as owners of Foxy Roxy’s Mobile Pet Grooming Salon (photo courtesy of Heimo Schmidt)

Our loan consultant Madieu Shyllon helped close a $10,000 loan for Foxy Roxy’s Mobile Pet Salon in August 2015. Since then, Jill has returned to us for four more loans to help purchase mobile grooming units:

  • $47,000 in November 2015
  • $79,000 in May 2016
  • $77,000 in June 2017
  • $82,000 in November 2017

Now with five loans and a thriving business that allowed Jonathan to quit his sales manager job to focus on their dream, Jill is looking to the future of Foxy Roxy. They opened their first brick and mortar location in San Diego this May, and they’re spreading their reach further throughout California.

We’re proud to watch Foxy Roxy grow and we’re honored to support the dreams of hardworking entrepreneurs like Jill.

We hope this story has inspired you, too.  At Opportunity Fund, we offer easy-to-get, fast, and affordable small business loans to help small business owners succeed.  Visit our home page to find out more.


Loans are subject to credit review. Additional documentation may be required for credit approval. We are an Equal Opportunity Lender. Loans will be made or arranged pursuant to California Department of Corporations Finance Lenders License #6050609.

Opportunity Fund is tackling economic inequality so that hard work and perseverance means a shot at getting ahead, not just struggling to get by. Our programs are supported by a community of donors and investors whose contributions help to fund small businesses, support college students, and build stronger families and vibrant neighborhoods. Since 1994, the team has deployed $600 million and helped 20,000 families earn, save and invest in their own futures. Opportunity Fund has earned a 4-star rating from Charity Navigator, America’s largest independent charity evaluator, for our commitment to accountability and transparency.

Follow us on Facebook and Twitter

Opportunity Fund. Working Capital for Working People. opportunityfund.org